Sabka Loan

What Sabka Loan does

Sabka Loan is the consumer-facing digital lending brand of Mahashakti Financiers Limited, an RBI-registered Non-Banking Financial Company incorporated in 1997 (CIN U67120JK1997PLC001699) and headquartered in New Delhi, with a registered office in Kathua, Jammu & Kashmir. The platform originates small-ticket, unsecured personal loans ranging from ₹10,000 to ₹1,00,000 exclusively to Indian salaried professionals aged 21-55 earning at least ₹25,000 per month, funded through partner lenders (banks and NBFCs). The product catalogue has been extended beyond instant personal loans to ten purpose-coded variants covering travel, medical emergencies, education, weddings, house renovation, credit card repayment, shopping, short-term needs, business, and vehicles.

The technical stack is fully digital and paperless: a mobile app on Android and iOS plus a website drive origination, with disbursement reported within minutes. The underwriting layer combines a proprietary in-house algorithm with Aadhaar-based e-KYC, Video-CIP, CKYC integration, four-bureau credit pulls (Transunion CIBIL, Equifax, CRIF, Experian), and parsing of financial transactional SMS data for cash-flow inference, producing a risk-based pricing engine that varies rates by bureau score, repayment history, DPD bands, FOIR, and employment type. Fraud analytics are provided via Credeau, while Microsoft Clarity, Trackier, and WebEngage handle UX analytics, attribution, and lifecycle engagement.

The revenue model is straightforward transaction-based lending economics: interest income on disbursed loans plus a 10% processing fee (exclusive of GST) on the principal. Effective APRs are steep by traditional bank standards — digital loans at 1% per day up to a 45-day maximum (averaging ~22% annualized on a 22-day average ticket), and manual cases priced at 24-30% annualized. Personal-loan customers are quoted 3-6%, while higher-risk business, vehicle, and short-term products range from 13.99% to 29.99%. There are no foreclosure charges or late-payment fees, and a 3-day cooling-off period applies for cancellation. The company operates entirely on a direct-to-consumer digital GTM with self-serve app/web origination, app-store-driven top-of-funnel marketing, and an in-house customer service team handling grievances through a formally appointed Grievance Redressal Officer and Nodal Officer under the RBI Integrated Ombudsman Scheme.

Name

Sabka Loan

Legal name

Mahashakti Financiers Limited

Website

https://sabkaloan.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Sabka Loan is the digital lending brand of Mahashakti Financiers Limited, an RBI-registered NBFC offering instant unsecured personal loans of ₹10,000-₹1,00,000 to Indian salaried professionals earning at least ₹25,000 per month, originated via a 100% paperless mobile app and website and funded through partner banks and NBFCs.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Near-Prime Unsecured Personal Loans (Installment) (FSAKAAAB)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Medical & Healthcare Personal Loans (Unsecured Installment) (FSAKAAAF)

Keywords

• Consumer lending services
• Instant personal loans
• Digital loan platform
• Salaried loan products
• NBFC lending services

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Interest charged on loans disbursed. Digital lending rate is 1% per day (max 45 days loan period), average loan period 22 days resulting in ~22% annualized rate. Manual loan rates at 24-30% annualized.
2. Processing Fees: Processing fees charged at 10% of loan amount. Applicable to all loan products. Exclusive of GST.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Sabka Loan is a digital lending platform operated by Mahashakti Financiers Limited, an RBI-registered Non-Banking Financial Company (NBFC). It offers instant personal loans ranging from ₹10,000 to ₹1 lakh to salaried individuals through a 100% digital, paperless application and disbursement process. The platform uses proprietary underwriting algorithms that analyze financial SMS data and credit bureau scores to deliver loan decisions, with approved funds disbursed directly to the borrower's bank account.

Product overview

Sabka Loan is an RBI-registered NBFC (Mahashakti Financiers Limited) operating a digital lending platform offering instant personal loans as its core product, supplemented by specialized loan products including Travel Loan, Medical Emergency Loan, Education Loan, Wedding Loan, Short Term Loan, House Renovation Loan, Credit Card Repayment Loan, Shopping Loan, Business Loan, and Vehicle Loan. The platform operates as a 100% digital, paperless lending service targeting salaried professionals in India, with loans processed through a mobile application and website. The company partners with banks and lending institutions to offer competitive interest rates and flexible repayment terms.

Differentiator

Problem solved

Functional benefit

Products and services

• Instant Personal Loan Flagship digital personal loan product offering salaried individuals short-term unsecured loans ranging from ₹10,000 to ₹1 lakh, with end-to-end paperless processing, Aadhaar-based e-KYC, and direct bank account disbursement. Repayment through flexible EMI tenures of 3 to 12 months.
• Travel Loan Personal loan product targeted at funding travel and vacation expenses for salaried borrowers, processed through the same digital underwriting and disbursement flow as the core personal loan offering.
• Medical Emergency Loan Fast-disbursement personal loan designed to fund unplanned medical and healthcare expenses for salaried individuals, leveraging the platform's instant underwriting capability.
• Education Loan Personal loan variant intended to finance short-term education-related expenses such as course fees, certifications, or skill-development programs for salaried borrowers.
• Wedding Loan Personal loan product aimed at financing wedding and related ceremonial expenses for salaried customers, disbursed through the digital channel.
• House Renovation Loan Personal loan variant intended to fund home improvement, repair, or renovation expenses for salaried borrowers.
• Credit Card Repayment Loan Short-tenure personal loan designed to help salaried borrowers repay outstanding credit card dues, providing a lower-cost alternative to revolving credit card balances.
• Shopping Loan Personal loan product designed to finance consumer purchases and shopping expenses for salaried individuals.
• Vehicle Loan Loan product intended to fund two-wheeler or vehicle purchase-related expenses for salaried borrowers.
• Business Loan Loan product targeted at small business funding needs of self-employed or salaried borrowers with entrepreneurial activity.
• Sabka Loan Mobile App Mobile application (available on Google Play and App Store) that serves as the primary digital channel for loan application, KYC, document upload, approval, disbursement, and EMI management for salaried borrowers.

Quantifiable outcome

• Loan disbursement within minutes
• +3 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Credit Bureaus (Transunion CIBIL, Equifax, CRIF, Experian)coreTechnology or IntegrationMandatory disclosure of credit information to credit information companies as required by applicable laws in India for credit risk assessment and reporting.
• Central KYC Registry (CKYC)coreTechnology or IntegrationMandatory KYC records registry integration as required under applicable laws in India.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• PaySense (LazyPay): PayU-owned digital lending platform offering instant personal credit and Buy Now Pay Later products to salaried Indian consumers via mobile-first onboarding.
• CASHe: Digital lending platform providing instant personal loans to salaried millennials in India, with proprietary social-score underwriting overlapping Sabka Loan's proprietary algorithm approach.
• mPokket: Kolkata-headquartered digital lending platform providing instant small-ticket personal loans to salaried Indian students and young professionals, directly comparable to Sabka Loan's salary-slip based offering.
• KreditBee: India-based digital lending NBFC offering personal loans to salaried and self-employed professionals via mobile app with similar quick-disbursement model and multi-product loan offerings.
• EarlySalary (now Fibe): Indian digital lending platform offering salary advances and personal loans to salaried professionals through mobile app, with comparable underwriting and instant disbursement features.
• ZestMoney: India-based digital consumer lending platform offering EMI-based credit for purchases and personal loans, with overlapping customer segments and digital underwriting approach.
• MoneyTap: RBI-registered NBFC providing app-based personal credit lines and term loans to salaried Indian consumers, directly overlapping Sabka Loan's target segment and digital origination approach.
• NIRA Finance: Digital lending NBFC focused on salaried and self-employed Indian borrowers, offering small-ticket personal loans with similar digital KYC and risk-based pricing.

Emerging players

• PayMe India: RBI-registered NBFC offering digital personal loans to Indian salaried professionals with similar quick-disbursement positioning and competitive rate ranges.
• RupeeRedee: India-based digital lending platform providing short-term personal loans to salaried borrowers, with comparable small-ticket loan products and digital-first customer experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sabka-loan

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sabka Loan